Retirement Planning is the process of creating a sensible strategy for funding your retirement that balances current financial needs with expected retirement needs many years into the future.  To be successful, your retirement strategy must be consistent with your goals, attitudes, and resources.

Accumulation

During the accumulation years we assist our clients in managing a budget, maximizing their retirement savings, evaluating their employee benefits, managing risks, and reducing debt. We look at alternative scenarios to determine when you can retire and how much will you need to save to maintain your desired lifestyle during retirement.

Preservation

Closer to retirement, many clients shift their focus from building wealth to managing and preserving it. By preparing retirement cash flow projections, we help our clients forecast how they may fare financially in their retirement years and also help them simulate the financial impact of different decisions before committing to a particular course of action. For example, this process is especially useful when projecting the best age to claim social security benefits.

Distribution

New retirees need a strategy for sustainable and tax efficient withdrawals and addressing the risks of longevity, inflation, and medical expenses. Many retirees worry about running out of money or if they will have enough money to sustain their desired lifestyle. We can help structure your assets to provide income while addressing the risks that occur later in life.

The need for retirement planning doesn't end with the onset of retirement. Throughout each stage we assist you with defining your goals, understanding your net worth, reviewing your cash flow, and planning for the unexpected.